Paying for health insurance already takes a big chunk out of your budget—so it makes sense to use your benefits to help cover therapy.

At Roseland Psychotherapy Associates, we are out-of-network providers, meaning we don’t contract directly with insurance companies. However, many of our clients still receive reimbursement for the majority of their therapy costs. Here’s how it works:

Understanding Out-of-Network Therapy Coverage in Roseland

How do I know if my insurance covers out-of-network therapy?
Most PPO-type health insurance plans include some reimbursement for out-of-network mental health care. To confirm, you can call your insurance company—or skip the calls entirely using a service like Thrizer, which we’ll explain below.

When calling your insurance, try saying:

“I am seeking outpatient mental health benefits in a professional office setting. Does my plan cover out-of-network providers for this service?”

How much will I get reimbursed?
Your insurance plan can tell you the exact reimbursement amount. If you prefer a more straightforward approach, Thrizer can calculate this automatically.

If you call your insurance, these questions will help you estimate reimbursement:

  • “What is my coinsurance?”

  • “What is my out-of-network deductible?” (This is the amount you must pay before insurance contributes.)

  • “How much of my out-of-network deductible has been met this year?”

  • “My therapist charges $______. Is this within the Allowed Amount or UCR (Usual, Customary, and Reasonable Fee) for an out-of-network provider?”

Navigating Insurance for Therapy in Roseland

Option 1: Use Superbills to Maximize Benefits

We provide superbills to all clients each month.

A superbill is a detailed receipt that includes:

  • Dates and times of sessions

  • Diagnostic codes

  • Therapist credentials

  • Paid fees

  • Any other information your insurance company needs

You submit the superbill to your insurance via email, mail, fax, or online portal. The insurance company then reimburses a portion of the fees according to your plan’s out-of-network benefits. Processing can take a few weeks, sometimes longer.

Option 2: Simplify with Thrizer

Thrizer is a service that handles the complicated insurance steps for you.

Here’s how it works with Roseland Psychotherapy Associates:

  1. We email you a link to create a Thrizer account.

  2. Add your insurance and payment information.

  3. Thrizer reviews your out-of-network benefits and estimates your co-insurance.

  4. You pay via Thrizer: either the full session fee (to submit a superbill) or your coinsurance once your deductible is met.

Benefits of Thrizer:

  • No phone calls to insurance companies

  • Quick calculation of out-of-pocket costs

  • Option to pay only your co-insurance while Thrizer handles the rest

Cost:

  • Free if using Thrizer only to submit superbills and get reimbursed after insurance processes your claim.

  • 5% of the session fee if using the option to pay just your co-insurance while Thrizer advances the remainder.

At Roseland Psychotherapy Associates, we want accessing your out-of-network benefits to be as stress-free as your therapy session. Using superbills or Thrizer, you can get reimbursed efficiently without the headache of insurance paperwork.